Device for integrating transaction information on finantial transaction

Abstract

A transaction information consolidating apparatus is disclosed which consolidates cash flow information associated with as many as several hundred thousand transactions per day into data which can be dealt with by a risk management system. A transaction information consolidating apparatus ( 1 ) acquires transaction information from a transaction information storage apparatus ( 2 ). On the basis of the acquired transaction information, the transaction information consolidating apparatus ( 1 ) produces expanded records indicating amounts of movements of money. The transaction information consolidating apparatus ( 1 ) then groups the expanded records in accordance with a predetermined consolidation rule, produces a consolidated record from a plurality of expanded records of each group, and supplies consolidated data including a set of expanded records to a risk management system ( 3 ).

1 . An apparatus for consolidating financial transaction information, serving to produce consolidated transaction information for use in risk management from transaction information stored in a transaction information storage apparatus and supply the resultant consolidated transaction information to a risk management system, wherein said apparatus acquires transaction information from the transaction information storage apparatus; produces expanded records indicating an occurrence of a monetary movement on the basis of the transaction information; groups the expanded records in accordance with a predetermined consolidation rule; and produces a consolidated record from a plurality of expanded records of each group.  
     
     
         2 . An apparatus according to  claim 1 , wherein said apparatus includes a transaction information consolidating unit provided for each ledger file stored in the transaction information storage apparatus, and each transaction information consolidating unit has said predetermined consolidation rule depending on a feature of a financial product stored in a corresponding ledger file.  
     
     
         3 . An apparatus according to  claim 2 , wherein the transaction information consolidating unit includes transaction information expanding means for producing expanded records in which a movement date and a movement amount of at least one of a principal, interest, and an outstanding balance are described; and transaction information consolidating means for producing a consolidated record by grouping the expanded records in accordance with a consolidation rule, and summing up the grouped expanded records in terms of at least one of items including a principal, interest, and an outstanding balance.  
     
     
         4 . An apparatus according to  claim 3 , wherein the transaction information expanding means includes a transaction information acquisition unit connected to a ledger file; a cash movement processing unit and a cash flow processing unit both connected to the transaction information acquisition unit; and an expanded data storage unit connected to the cash movement processing unit and the cash flow processing unit, the cash movement processing unit serving to produce an expanded record for each record of the ledger file such that movements of principals and interest which have occurred on a processing reference date are described in the expanded record on the basis of data acquired by the transaction information acquisition unit, the cash flow processing unit serving to calculate interest to be paid on a next interest payment date for each record of the ledger file on the basis of data acquired by the transaction information acquisition unit, storing the calculated interest in an expanded record, and supplying the resultant expanded record to the expanded data storage unit.  
     
     
         5 . An apparatus according to  claim 3 , wherein the transaction information consolidating means includes an information-to-be-consolidated extracting unit connected to the output of the transaction information expanding means; a consolidated-content calculation unit connected to the information-to-be-consolidated extracting unit; and a consolidated data storage unit connected to the consolidated-content calculation unit, the information-to-be-consolidated extracting unit serving to receive expanded records from the transaction information expanding means and group the received expanded records in accordance with a predetermined consolidation rule, the consolidated-content calculation unit serving to receive the grouped expanded records from the information-to-be-consolidated extracting unit, calculate the sum of at least one of items including principal movement, interest movement, a next interest payment date, and an outstanding balance for each group, store the calculated sum in one consolidated record, and supply the resultant consolidated record to the consolidated data storage unit.  
     
     
         6 . A method for consolidating financial transaction information by producing consolidated transaction information for use in risk management from transaction information stored in a transaction information storage apparatus and supplying the resultant consolidated transaction information to a risk management system, the method comprising an expanded record producing step of acquiring transaction information from the transaction information storage apparatus and producing an expanded record on the basis of the acquired transaction information so as to indicate a change in at least one of a principal, interest, and an outstanding balance; and a consolidated record producing step of grouping expanded records in accordance with a predetermined consolidation rule and producing one consolidated record from a plurality of expanded records of the same group.  
     
     
         7 . A method according to  claim 6 , wherein the expanded record producing step includes the steps of producing a first expanded record in which movements of a principal and interest which have occurred on a processing reference date are described on the basis of transaction information; and producing a second expanded record in which an amount of movement of at lest one of a principal, interest, and an outstanding balance predicted to occur after the processing reference date is described.  
     
     
         8 . A method according to  claim 6 , wherein the consolidated record producing step includes the steps of grouping the expanded records in accordance with a predetermined consolidation rule; calculating the sum of at least one of items including a principal movement, an interest movement, a next interest payment date, and an outstanding balance for each group and storing the calculated sum in one consolidated record.  
     
     
         9 . An information storage medium including a program stored therein for causing a computer to function as an apparatus according to one of  claims 1  to  5 .  
     
     
         10 . A program for causing a computer to function as an apparatus according to one of  claims 1  to  5 .  
     
     
         11 . A computer-readable storage medium including a program stored therein for causing a computer to practice a method according to one of  claims 6  to  8 .  
     
     
         12 . A program for causing a computer to practice a method according to one of  claims 6  to  8 .